ZIP 19035 Insurance Data

Data Snapshot: ZIP 19035 (Gladwyne, PA)

ZIP 19035 (Gladwyne, PA) shows an average homeowners insurance premium of $5,490 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 306 reported policies. That is 209% above the national average of $1,776 per year, placing this ZIP in the 99th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 386% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 19035 is 42.9%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 10.21%, and the average claim severity (amount paid per claim) is $23,046. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.42% in this ZIP, a rise of 36.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 19035 have risen by 1.2%, ranging from $5,246 to $5,490 with a five-year average of $5,370 — an annualized rate of +0.3% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.